For my family here is the monthly spend with taxes for my area included:
HBO Max $ 13.53
Hulu $ 7.21
Disney+ $ 0.18 (w/ Hulu)
Paramount+ w/ Showtime $ 10.82
Apple TV+ $ 10.81
AMC+ $ 7.56
Amazon Prime $12.53
$62.64/month. Now, about 20 years ago in 2004 my parents had basic cable and they paid $60/month. An my parents combined made no where near what I make today in my salary alone. And with inflation the cost of entertainment has gone down significantly.
As for figuring out what is on what- Apple TV has made this easy.
Is piracy easier? Legality aside you need a seed box, membership to specific sites, and VPN. Which can add up to more than $30/month just to download pirated content. Not to mention the time investment in figuring out how to get the movies and tv shows to your family members on all of their devices. A budget NAS with 20 TB is going to cost $500. A small PC to transcode also $500. Also all the technical know how required. Backing up 20 TB to the Backblaze is going to cost $13/mo. So lets not pretend piracy is easier.